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Total Protection III is a Whole Life portfolio that combines three distinct products in one, easy-to-use application. Key Features ??? Simplified application with a limited number of health questions ??? No routine medical exams, blood work, urine testing or physician???s statements ??? High Commissions ??? Level, guaranteed premiums Express Issue Whole Life (Graded Benefit Whole Life Insurance) ??? Ideal for clients with significant health issues ??? up to table 16. Previously declined applicants considered. ??? Graded death benefit during the first two years: - Policy Year 1: Benefit payable equals refund of premium plus 12% interest* -Policy Year 2: Benefit payable equals refund of premium plus 24% interest* -Policy Year 3: Full death benefit payable ??? Full death benefit is payable if death occurs due to accidental causes during the first two policy years ??? Free identity theft benefit ??? premiums waived for three months ??? Free extended hospital stay (20 consecutive days) ??? premiums waived for three months ??? Free Common Carrier Accidental Death Benefit ??? death benefit payable is doubled if death is due to an accident while riding on public transportation. ??? Issue ages 25 to 80 (45 to 80 in California) ??? Coverage amounts from $2,000 to $25,000 Base plan and benefits may not be available in all states. *In AR, KS, NV and PA: death benefit is 30% of initial death benefit in year 1, 60% of initial death benefit in year 2. Express Issue Deluxe (Immediate Death Benefit Whole Life Insurance) ??? Standard issue through Table 8 ??? ideal for clients with insulin dependent diabetes ??? Full and immediate death benefit from first day of policy issue ??? Issue ages 20 to 80 ??? Coverage amounts from $5,000 to $50,000 ??? Child Rider and Accidental Death Benefit available Express Issue Premier (Immediate Death Benefit Whole Life Insurance) ??? Standard issue through Table 4 ??? ideal for clients with minor health issues ??? Full and immediate death benefit from first day of policy issue ??? Issue ages 20 to 80 ??? Coverage amounts from $5,000 to $100,000 through issue age 60; $50,000 for issue ages 61 to 80 ??? Child Rider and Accident Death Benefit Rider available Base plan and benefits may not be available in all states.
Guaranteed Issue Whole Life Insurance Key Features: ??? Guaranteed Issue! No Health Questions! No Medical Exams! No Physical Examinations! Simple Application! ??? Graded Death Benefit during the first 3 Policy Years - Policy Year 1: Benefit payable equals refund of premium plus 6% interest - Policy Year 2: Benefit payable equals refund of premium plus 12% interest - Policy Year 3: Benefit payable equals refund of premium plus 18% interest - Full Death Benefit payable if death occurs due to accidental causes during the first three policy years ??? Coverage amounts from $5,000 to $10,000 ??? Issue Ages 45 to 75 [Issue age based on age nearest birthday] ??? Level, Affordable, Guaranteed Premiums ??? Commission Chargeback Policy - The death of the Insured during the first year following policy issue results in a 100% commission chargeback. - The death of the Insured during the second year following policy issue results in a 50% commission chargeback. ??? Agent Application Guidelines - The application must be completed with the Proposed Insured present; no power of attorney applications accepted. - The Proposed Insured must not be confined to a hospital, hospice, nursing home, convalescent home or does not require home health care. - The Proposed Insured must not be HIV positive or have AIDS, and must not have been diagnosed with any illness that would reasonably be expected to cause death within 24 months. - The agent must have no knowledge of intravenous drug abuse by the Proposed Insured. - GIWL sales can be no more than 25% of an agent???s total production. An agent must place 3 non-Guaranteed Issue policies (excluding Accidental Death Protector), for every 1 GIWL application written. ??? Your Company of Choice for Guaranteed Issue Sales - Initial Premium may be drafted! - Commissions are paid daily! - Full Incentive Trip Qualification Credit! - Client brochures are available - Downloadable applications, forms, and marketing brochures - Website quoting engine for accurate, fast, and easy premium quotes Plan and benefits may not be available in all states. Issue ages may vary by state. Exclusions and limitations may apply.
Product Description: The Provider policy is a unique whole life plan with guaranteed cash values and is designed to be used with your standard and preferred risk clients. Unlike the other products in our portfolio, no tables are given away in the underwriting process and no substandard ratings are available. However, the plan features minimal underwriting, with no routine medical exams, blood, urine or other bodily fluid testing required. The uniqueness of the plan is evident in the following features: Your clients ages 18-80 c ??? an qualify for a discounted preferred rate without medical underwriting, depending on the answers provided in the application. ??? This plan is also available for issue ages 0-17 and is an ideal ???starter??? insurance plan for children and grandchildren because of the built-in Guaranteed Insurability Benefit rider. ??? Finally, this insurance plan has a number of inherent rider features that are included in the purchase price of the policy if the face amount is $25,000 or greater:* ???? Common Carrier Accidental Death Benefit Rider ??? Pays an additional amount above the face amount, equal to the base face amount, if the death is due to an accident while riding on public transportation. ???? Guaranteed Insurability Benefit Rider ??? For issue ages 0-17, the rider guarantees the policyowner the right to purchase additional whole life insurance on the insured???s life at his/her 25th birthday, without evidence of insurability and in an amount not exceeding the policy face amount. ???? Life Threatening Cancer Accelerated Benefit Rider ??? Pays the policyowner an advance on the policy???s death benefit in an amount up to 10% if the insured has been diagnosed with life-threatening cancer. ???? Charitable Gift Donation ??? This benefit provides an additional 1% added to the face amount of the policy and is paid to the charity chosen by the policyowner upon death of the insured. If no charity is chosen, the additional 1% will be paid to the American Red Cross. ???? Terminal Illness Accelerated Death Benefit – This Benefit provides the policyowner with the right to access the Death Benefit (discounted at interest for one year) on the life of the Insured if the Insured is diagnosed with a life expectancy of twelve (12) months or less. *Some of the inherent rider features shown above may not be available in all states. The Provider Issue Ages and Face Amounts:
*policy fee is fully commissionable Term Life Insurance Our term life insurance portfolio offers a variety of term products that cover a broad spectrum of underwriting classifications and protection needs. Any of the term plans are available on one, easy-to-use application. Key Features: ??? Simplified application with a limited number of health questions ??? No routine medical exams, blood work, urine testing or physician???s statements ??? High commissions ??? Level, guaranteed premium Graded Benefit Term 10 (10-year Graded Benefit Term Life Insurance with no return of premium) ??? 10-year level term with guaranteed premiums; and guaranteed renewable for an additional 10 years. ??? The level premium schedule is guaranteed for the initial 10 year period; after this initial period, premiums will increase each policy year for the next 10 years and then coverage will cease. ??? Ideal for clients with significant health issues ??? up to table 16. Previously declined applicants considered ??? Graded death benefit during the first two years: - Policy Year 1: Benefit payable equals refund of premium plus 12% interest - Policy Year 2: Benefit payable equals refund of premium plus 24% interest - Policy Year 3: Full death benefit payable ??? Full death benefit payable if death occurs due to accidental causes during the first two policy years (except California) ??? Free identity theft benefit ??? premiums waived for three months ??? Free extended hospital stay (20 consecutive days) ??? premiums waived for three months ??? Free Common Carrier Accidental Death Benefit ??? death benefit payable is doubled if death is due to an accident while riding on fare paying public transportation ??? Issue ages 25 to 60 (45 to 60 in California) ??? Coverage amounts from $2,000 to $25,000 Base plan and benefits may not be available in all states. Express Issue Term Deluxe 20 (Immediate Level Death Benefit Term Life Insurance with no return of premium) ??? 20-year level term, and guaranteed renewable to the policy anniversary nearest the insured???s 95th birthday ??? The level premium schedule is guaranteed for the initial 20 year period; after this initial period, premiums will increase each policy year. ??? Standard issue through Table 8 ??? ideal for clients with insulin dependent diabetes ??? Issue ages 20 to 60 ??? Coverage amounts: $5,000 minimum face amount; $50,000 maximum face amount ??? Child Rider and Accidental Death Benefit available Base plan may not be available in all states. Express Issue Term Plus (20-year) Express Issue Term 30 (30-year) (Immediate Death Benefit Term Life Insurance with NO Return of Premium) ??? 20-year and 30-year level term, and guaranteed renewable to the policy anniversary nearest the insured???s 95th birthday ??? The level premium schedule is guaranteed for the initial 20 or 30 year period; after the initial period, premiums will increase each policy year. ??? Standard issue through Table 4 ??? ideal for clients with minor health issues ??? Issue ages 20 to 60 for the 20-year term; 20 to 55 for the 30-year term ??? Coverage amounts: no minimum face amounts; maximum face amounts ??? - Ages 20-45: $200,000 - Ages 46-55: $150,000 - Ages 56-60: $100,000 (20-year term only) ??? Riders available: - Waiver of Premium - Child Rider (A free $5,000 child rider is available for face amounts of $100,000 or greater; child must be insurable.) - Accidental Death Benefit (minimum of $10,000) - A free Terminal Illness Benefit Rider Base plan and benefits may not be available in all states. Premier 20 (20-year w/ROP) Premier 30 (30-year w/ROP) (Immediate Death Benefit Term Life Insurance WITH Return of Premium) ??? 20-year and 30-year level term, and guaranteed renewable to the policy anniversary nearest the insured???s 95th birthday ??? The level premium schedule is guaranteed for the initial 20 or 30 year period; after the initial period, premiums will increase each policy year. ??? These Return of Premium products provide guaranteed cash values. The cash value at the end of the initial 20 or 30 year period is equal to 20 or 30 times the annual premium, regardless of the modal premium paid. ??? Standard issue through Table 4 ??? ideal for clients with minor health issues ??? Issue ages 20 to 60 for the Premier 20 term; 20 to 50 for the Premier 30 term. For tobacco users, the ROP products are only available for issue ages 20-40. ??? Coverage amounts: minimum face amount is $25,000; maximum face amounts ??? - Ages 20-45: $200,000 - Ages 46-55: $150,000 (ages 46-50 for the 30-year term) - Ages 56-60: $100,000 (20-year term only) ??? Riders available: - A free $5,000 child rider is available for face amounts of $100,000 or greater (child must be insurable) - A free Terminal Illness Benefit Rider Base plan and benefits may not be available in all states. Express Issue Term 65 (Immediate Death Benefit Term Life Insurance to Age 65 – with NO Return of Premium) ??? Level term coverage to age 65, regardless of the issue age (issue ages: 20 ??? 50); For example: - If purchased at age 25, the level premiums and coverage last until age 65, resulting in a 40-year level term plan. - If purchased at age 42, the level premiums and coverage also last until age 65, resulting in a 23-year level term plan. ??? The level premium schedule is guaranteed for the initial term period; after the initial period, the policy is guaranteed renewable to the insured???s 95th birthday and premiums will increase each policy year. ??? Standard issue through Table 4 ??? ideal for clients with minor health issues ??? Issue ages 20 ??? 50 ??? Coverage amounts: no minimum face amounts; maximum face amounts - Ages 20-45: $200,000 - Ages 46-50: $150,000 ??? Riders available: - Waiver of Premium - Accidental Death Benefit (minimum of $10,000) - Child Rider (A free $5,000 child rider is available for face amounts of $100,000 or greater; child must be insurable.) - A free Terminal Illness Benefit Rider Base plan and benefits may not be available in all states. Premier 65 (Immediate Death Benefit Term Life Insurance to Age 65 WITH Return of Premium) ??? Level term coverage to age 65, regardless of the issue age (issue ages: 20-50; 20-40 for tobacco users); for example: - If purchased at age 25, the level premiums and coverage last until age 65, resulting in a 40-year level term plan - If purchased at age 40, the level premiums and coverage last until age 65, resulting in a 25-year level term plan ??? The level premium schedule is guaranteed for the initial term period; after the initial term period, the policy is guaranteed renewable to the insured???s 95th birthday and premiums will increase each policy year. ??? This Return of Premium product provides guaranteed cash values. The cash value at the end of the level term period is equal to the number of years in the level term period times the annual premium, regardless of the modal premium paid. ??? Standard issue through table 4 ??? ideal for clients with minor health issues ??? Issue ages 20-50; for tobacco users, issue ages are 20-40. ??? Coverage amounts: minimum face amount is $25,000; maximum face amounts: - Ages 20-45: $200,000 - Ages 46-50: $150,000 ??? Riders available: - A free $5,000 child rider is available for face amounts of $100,000 or greater (child must be insurable) - A free Terminal Illness Benefit Rider Base plan and benefits may not be available in all states |
More Information In 2013 UHL has changed their rates and are know very competitively positioned. They also have changed to Age Last Birthday as well as a new application. Be sure to dowload the new information from their agent portal. |
